Everyone here will place emphasis on different parts of that blurb, though.
Some people balance out the whole thing equally. Others value the 'civil' and 'insightful' bits with different weights. Each has their own interpretation of what those terms actually mean.
People will rub each other the wrong way from time to time.
Instead of down votes, you'll find moderation tools for each user on the left hand side their profile page.
You'll also find filter links at the top of the feed pages for tags and webdomains.
You can use these features heavily, or not at all. It depends on what you want.